- By Aditya Pratap Singh
- Fri, 22 Dec 2023 07:40 PM (IST)
- Source:JND
Method to close a credit card: Having more than one credit card is quite a normal thing nowadays as the majority of working professionals have one or more credit cards. If you have more than one credit card and you want to close one of them, then you need to be aware of methods for submitting a credit card closure request. Cancelling or closing a credit card is as easy as applying for a credit card.
Methods to close credit card
Calling Customer Care
A cardholder can contact the customer service department of the concerned credit card provider (bank or other institutions) to request the closure of the credit card. All banks or credit card providers have helpline numbers for credit cards.
Can write a request to close the credit card
Customers can send a written request to the bank or institution that issued their credit card to cancel or close the credit card. Mentioning card details and closure information in the form of an application/letter to the manager of the concerned bank is a way to submit a credit card closure request. Your credit card may be cancelled or closed following your request.
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Write an email for credit card closure
A cardholder can make a credit card closure request by sending an email to the credit card issuing bank or institution. All banks have email IDs to get complaints and suggestions about credit card-related activities. You must include all the information of the credit card that you wish to close.
Online Credit Card Closure request
Some banks allow customers to submit credit card cancellation requests online. To make an online request, one has to go to the bank's website or application, fill out the form and submit it. After submitting the request, the bank will call you to confirm the cancellation.
Things to keep in mind before requesting credit card closure
Before requesting to close your credit card, make sure to pay the outstanding amount of the card.
- The reward points that you have earned, make sure you have redeemed them all before closing the credit card.
- Before closing the credit card, stop all automatic pay and bill and payment facilities.
- Banks do not charge any last-minute card closure fee - Check your last credit card transaction details carefully.